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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Lorena Bochenek
I’ll be with you every step of the way
Hello! I’m Lorena, your dedicated loan officer at America’s #1 Retail Mortgage Lender. I understand home financing is never just about interest rates. It’s about understanding the full picture: timing, structure, opportunity and having the right plan in place before you move forward.
I work with homebuyers in New Jersey and Florida who want more than a loan approval. They’re looking for clear, strategic guidance that aligns with their goals — whether they are purchasing a primary home, investing in a second property or planning a longer-term transition.
With a background in business ownership and experience supporting high-value transactions, I focus on making the mortgage process efficient, well-structured and fully aligned with broader financial goals. No pressure. No confusion. Just well-prepared decisions supported by smart financing.
If you’re considering your next step, I’m always available to talk through options with clarity and professionalism from start to finish.
Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.